Illegal Debt Collection Calls
Many debt collectors routinely break the law by making telephone calls that they are not allowed to do.If you have experienced any of these illegal tactics, please contact Ademi & O'Reilly for a free consultation. Many of these violations entitle you to receive between $500 and $1500.
Collection calls at work
As a general rule, debt collectors, and even the creditors themselves, are not allowed to contact you at work. Obviously, most employers simply don't want to pay employees t deal with personal debt issues on company time, using the company's equipment (telephone and telephone lines). The Federal Fair Debt Collection Practices Act prohibits contact with third parties, except to locate someone, and even then, prohibits disclosure of the subject matter of the call. The Wisconsin Consumer Act is even more explicit: telephone calls to employers are prohibited, and disclosure of bad debts are prohibited. And the Wisconsin Consumer Act applies to the original credit grantor (such as a bank) as well as a debt collector.
Collection calls made to cell phones
Many cell phones limit the number of minutes that can be used on a particular plan. For that reason, Congress has decided that under many circumstances, debt collectors are prohibited from calling cell phones. However, there is a big exception to this law: If you gave the cell phone number out when you created the debt, you legally gave them the right to call you on that cell phone (at least that is what the FCC has ruled). Fortunately, you can always revoke your permission to call on your cell phone, and there seems to be nothing that requires that to be in writing. While the Federal Telephone Consumer Protection Act of 1991 has some more details, many creditors and debt collectors are failing to comply with this law. A free consultation will quickly establish if you are entitled to receive as much as $1500 from these companies.
Text messages to cell phones
As technology marches forward, debt collectors are just half a step behind. Many of them have started using SMS and text messages to try to contact debtors. This is generally prohibited, and if you are receiving text messages which are either advertising or debt collection messages, you should contact us, and save the messages.
Our firm is the most active consumer protection firm in the State of Wisconsin. We have recovered millions of dollars for Wisconsin consumers, and no law firm has our experience in suing companies on behalf of Wisconsin consumers. And we cost you nothing. There is no fee unless we win. We only get paid by the companies breaking the law, if we are successful. You will never receive a bill for legal services or expenses.
Collection calls at work
As a general rule, debt collectors, and even the creditors themselves, are not allowed to contact you at work. Obviously, most employers simply don't want to pay employees t deal with personal debt issues on company time, using the company's equipment (telephone and telephone lines). The Federal Fair Debt Collection Practices Act prohibits contact with third parties, except to locate someone, and even then, prohibits disclosure of the subject matter of the call. The Wisconsin Consumer Act is even more explicit: telephone calls to employers are prohibited, and disclosure of bad debts are prohibited. And the Wisconsin Consumer Act applies to the original credit grantor (such as a bank) as well as a debt collector.
Collection calls made to cell phones
Many cell phones limit the number of minutes that can be used on a particular plan. For that reason, Congress has decided that under many circumstances, debt collectors are prohibited from calling cell phones. However, there is a big exception to this law: If you gave the cell phone number out when you created the debt, you legally gave them the right to call you on that cell phone (at least that is what the FCC has ruled). Fortunately, you can always revoke your permission to call on your cell phone, and there seems to be nothing that requires that to be in writing. While the Federal Telephone Consumer Protection Act of 1991 has some more details, many creditors and debt collectors are failing to comply with this law. A free consultation will quickly establish if you are entitled to receive as much as $1500 from these companies.
Text messages to cell phones
As technology marches forward, debt collectors are just half a step behind. Many of them have started using SMS and text messages to try to contact debtors. This is generally prohibited, and if you are receiving text messages which are either advertising or debt collection messages, you should contact us, and save the messages.
Our firm is the most active consumer protection firm in the State of Wisconsin. We have recovered millions of dollars for Wisconsin consumers, and no law firm has our experience in suing companies on behalf of Wisconsin consumers. And we cost you nothing. There is no fee unless we win. We only get paid by the companies breaking the law, if we are successful. You will never receive a bill for legal services or expenses.